Question:
Financing when you have bad credit

Dose any one know how to get finacing when you have bad credit,and your Insurance won't pay for WLS (exclusion)    — [Anonymous] (posted on December 10, 1999)

December 10, 1999
In the two plans that my job offers, there are exclusions for wls. So what I am doing is participating in the Flexible Healthcare Spending Account at my job. This will cover my surgeon's $5000 fee and be paid off by payroll deductions by the end of the year. I have also taken out a $1800 loan on my 401K plan and this will be paid back in 60 bimonthly payments through payroll deduction. The interest rate is only 10%. I have also talked to the financial counselor at the hospital and have an appt to set up a monthly payment plan. I will be in debt for a little while, but not too long. I hope this gives you some ideas and helps.I believe the all this is worth a healthier life.
   — [Anonymous]

March 25, 2002
Try www.patientfinance.com. It might be helpful, also several people on this website said to go to the Google search engine and enter "unsecured loans".
   — yourdivaness

March 25, 2002
OK, nobody yell at me here. But if no one will finance because of your credit, you'll probably still be able to qualify for numerous unsecured credit cards. Yes, they'll probably be into higher interest rates. BUT, are you desperate enough to pay that interest in exchange for your surgery?
   — Shelly S.

January 14, 2003
Anything truly worthwhile has a "cost" attached to it. Sometimes the cost is financial, sometimes it is commitment, and sometimes it is faith and conviction. To me WLS encumbers all of those costs. But you know what???? The payoff is well worth it!!!!!!! I had WLS on Halloween of 2000 and it has been a true blessing in my life. I have had no complications and most importantly I have regained my life back. One of the things that has always tugged at my heart and irritated me at the same time was people who truly needed this surgery but insurance carriers who could say NO (but yet they never say NO to the premiums we pay!!) It is like they have the Power to grant life or death. That is so wrong!! Well, I firmly believe it is definitely time to regain the Power back and away from the insurance companies. If you are interested, I can help. I work with people who NEED or WANT to "ELIMINATE" their debt from credit cards, personal loans, mortgages, etc. Not only can you get rid of your debt, you can also clean up your credit report!! This wonderfully legal and nonembarrassing procedure has nothing to do with bankruptcy or consolidation. It is wonderful!!! Think about it - clean up your debts - clean up your credit scores - then would you be able to find a way to pay for this surgery??? You bet you would! And why not??? We all deserve to be healthier and happier! If you are interested in this please email me at: [email protected]. I will do my best to help you regain the Power back!!! FYI - I will try to get back to you as quickly as possible, but understand the opportunity to eliminate personal debt is very popular - so I am very busy. Please be a bit patient! No matter what - whether this opportunity interests you are not - do not give up. All the costs involved in WLS are worth it - it has truly been a miracle in my life. Hugs~ JoAnn
   — Jo A.

August 9, 2004
how about getting it done for free?? www.belighter.com has a free lapband drawing every 5 mo and i won one of them! you have to go to mexico but the surgens there are absolutly wonderful!!!
   — q E.

October 13, 2004
Hi I was having trouble getting the money to pay for my plastic surgery and was searching and searching and wasting money on programs when I came across the one I used. I had the money to pay for my surgery within 30 days and all it cost me was 11.50 to get started. Heres the address. http://www.business.visitorbuilder.com/?refer=12546890R6733952S
   — [Deactivated Member]

November 12, 2004
I had surgery in April 2004. I am also a Loan Officer and I may possibly be able to help you. I am willing to try to help you if I can. I know how important this is.
   — Joyce R.

September 4, 2005
Have you checked with Capitol One Health Care Finance? They can loan out up to $25000. The percentage rate is based on your credit rate.
   — julieqberry